How your career choice will finally pay off!
Public Service Loan Forgiveness
Teacher Loan Forgiveness
If your income is low now, but you expect it to increase steadily over time, this plan may be right for you. Under this plan, your monthly payments start out low and increase every two years,are made for up to 10 years for all loan types except Direct Consolidation Loans and FFEL Consolidation Loans,Will never be less than the amount of interest that accrues between your payments, and won’t be more than three times greater than any other payment.
Deferment / Forbearance:Under certain circumstances, you can receive a deferment or forbearance that allows you to temporarily postpone or reduce your federal student loan payments. Postponing or reducing your payments may help you avoid default.
These are not the only programs where loans can be forgiven. Fill out the request to find out which program you may qualify for!
Teacher Loan Forgiveness: If you are a teacher and have been teaching full-time in a low-income elementary or secondary school or educational service agency for five consecutive years, you may be able to have as much as $17,500 of your subsidized or unsubsidized loans forgiven.
Loan Consolidation
A Consolidation loan allows you to consolidate (combine) multiple federal student loans into one loan. The result is a single monthly payment instead of multiple payments.
Repayment Plans:
Income-Based Repayment Plan:
Income-Based Repayment (IBR) is designed to reduce monthly payments to assist with making your student loan debt manageable. If you need to make lower monthly payments, this plan may be for you. In some cases we are able to get your payment to as low as $0 monthly.
Pay As You Earn Repayment Plan
The Pay As You Earn Repayment Plan helps keep your monthly student loan payments affordable, and usually has the lowest monthly payment amount of the repayment plans that are based on your income. If you need to make lower monthly payments, this plan may be for you.
Income-Contingent Plan
If you need to make lower Direct Loan payments, but you do not qualify for the IBR or Pay as you earn plans, the ICR Plan may be for you.
Disability Discharge
Graduated Repayment Plan
The PSLF Program is intended to encourage individuals to enter and continue to work full-time in public service jobs. Under this program, borrowerd may qualify for forgiveness of the remaining balance of their Direct Loans after they have made 120 qualifying payments on those loans while employed full time by certain public service employers.
If you are unable to work because of a total and permanent disability, you may be able to get a Total and Permanent Disability (TPD) Discharge of your Federal Family Education Loans (FFEL), Perkins Loans, Direct Loans, or Teacher Education Assistance for College and Higher Education (TEACH) Grant service obligation.
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Multiple Student Loan Solutions Available!
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Get out of Garnishment or Default!
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Qualify for Student Loan Forgiveness!
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Benefit from Government Programs!
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Qualify for a zero dollar monthly payment!
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Parent PLUS Loans Qualify!
